Business Banking Relationship Manager I

Citizens; Johnston (RI); On-site; USD 70,000 - 110,000; Full time

Job summary

Citizens is seeking a motivated Relationship Manager to deepen client relationships in the small business segment. You will collaborate with peers across banking, lending, and investing to help clients achieve short- and long-term financial goals.

The role emphasizes consultative selling, credit assessment, and portfolio management, with opportunities for growth within a world-class financial institution.

Qualifications

• Bachelor’s degree or equivalent combination of education and experience.
• 2+ years in a Business Banking Relationship Manager role or related business lending experience preferred.
• Business to Business sales experience required.
• Motivated self-starter with leadership ability and teamwork.
• Ability to meet sales goals, cross-sell, and build client relationships.

Responsibilities

• Develop consultative relationships with small business clients in the $1M–$10M revenue range.
• Understand client needs, provide value-added solutions, and manage a portfolio of existing customers.
• Partner with the business banking team to enhance customer experience and profitability.
• Complete relevant training programs to assess lending risk and credits.
• Maintain market knowledge and expand relationships with CPAs and attorneys.
• Engage in community activities to grow potential customer base.

Skills

Relationship management

Sales experience

Communication skills

Networking

Credit knowledge

Education

Bachelor’s degree or equivalent combination of education and experience

Job description

At Citizens, tailored advice, personalized experiences, and innovative ideas, products, and solutions, are central to helping clients navigate changing circumstances. In this role, you’ll deepen relationships with your clients by collaborating with peers across banking, lending and investing, helping them with short- and long-term financial goals.

Citizens is seeking a motivated, highly successful, proven Relationship Manager with experience in moderately to less complex portfolios, and a strong grasp of sales and credit skills. This senior level performer will have an immediate impact and be rewarded with an uncapped incentive opportunity and the ability to grow your career with a world‑class organization.

Primary Responsibilities Include

• Develop consultative relationships with small business clients in your target market with annual revenues ranging from one million to ten million dollars.
• Understand the client needs, provide value added solutions, manage a portfolio of existing customers, and drive new commercial customer relationships.
• Partner effectively with an award‑winning business banking team offering a wide array of product solutions that will enable you to enhance the customer experience, increase loyalty and improve the profitability of customers and the Bank.
• Complete Business Banking University and Drive Sales training in your initial four‑week orientation and a commercial credit training program to ensure you’re prepared to identify, assess, and mitigate lending risk.
• Maintain strong market knowledge and develop, retain, and expand relationships with Centers of Influence i.e. CPAs and Attorneys.
• Actively engage in significant community activity to expand potential customer base.

Qualifications, Education, Certifications And/or Other Professional Credentials

• Bachelor’s degree or equivalent combination of education and experience, required.
• 2+ years in a Business Banking Relationship Manager role or related business lending experience preferred.
• Business to Business sales experience required.
• Motivated self‑starter with demonstrated leadership ability and potential.
• Successfully operate in a “team” atmosphere building upon and leveraging strong internal and external network.
• Ability to succeed in a fast paced, demanding sales culture with measured routines and goals aimed at new loan and deposit generation, cross sales, customer service and satisfaction.
• Proficiency with portfolio/account management preferred.
• Ability to understand core business products and services. Consistent record of sales and outside calling skills.
• Excellent communication (written & verbal) and interpersonal skills.
• Ability to develop strong customer and colleague relationships.

Hours and Work Schedule

• Hours per Week: 40
• Work Schedule: Monday - Friday

Some job boards have started using jobseeker‑reported data to estimate salary ranges for roles. If you apply and qualify for this role, a recruiter will discuss accurate pay guidance.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Why Work for Us

At Citizens, you'll find a customer‑centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth.